Trouble with Long Term Care Insurance?

We have noticed a massive shift over the last few years from Long Term Insurance to Hybrid Life, better known as Life Insurance with Living Benefits.

The article below highlights the premium increases that your clients received from the Long Term Care Insurance Carriers. The problem is the market is saturated with alternatives that the options may be overwhelming.

To cut through the confusion, we have cherry-picked the industry to create a menu of 3 products called "The Ultimate Hybrid Portfolio."

We specifically chose these products for the following reasons:

• Indemnity benefits for your clients
• All premiums are waived while on claim
• Underwriting based on mortality, not morbidity

Below are a couple of case studies where clients were initially declined for Long Term Care but were able to find alternatives through our platform.

Case Study 1: Female, age 57, Declined for Long Term Care due to chronic back pain. Approved Preferred.

Case Study 2: Female, age 60, Declined for Long Term Care due to Rheumatoid Arthritis. Approved Standard.

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The Decline Of Long-Term Care Insurance

This August, two of the country’s biggest insurance companies, MetLife and Unum, will stand in front of the Florida Insurance Commissioner to explain their company’s reasoning behind why nearly 20 percent of the State’s population will be experiencing this dramatic Long Term Case rate increase. Unfortunately, many of these senior citizens who bought long-term care insurance to protect themselves against the rising cost of nursing home and medical costs will be forced to give up their policies, forgoing the money they already put in, because they will no longer be able to afford the premiums...Read More>>